Group Lending · XRP Blockchain · Ethiopia

Credit for the Businesses Banks Ignore

IncluFi turns your business community into your credit score. Form a group of trusted peers, vouch for each other, and access fair loans in minutes — not months. Every repayment builds a blockchain credit history that belongs to you, forever.

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Recognized by
GreSFET 2024 Winner XRP Ledger Yanos Group
Welcome back,
Tigist's Salon
84 Credit Score
Active Loan
ETB 53,000 of ETB 68,000
Your Lending Group
TY
AK
BM
SK
+
4/5 confirmed
Next payment
ETB 2,450
Due in 8 days
ETB 17T+
SME credit gap across Africa
500K+
Ethiopian businesses underserved
99%
Repayment with group lending
<5min
Approval, not weeks of waiting
The Problem

The system fails Ethiopia's best businesses

Profitable, hardworking business owners across Ethiopia are denied loans every day — not because they can't repay, but because they don't own the property banks accept as collateral.

MFIs charge 30–35% interest and take weeks to approve. Informal lenders charge 50–100%. The result: businesses stay small, families stay poor, and opportunity disappears.

No collateral accepted
30–35% MFI rates
Weeks of paperwork
No credit history built
Banks say "no collateral, no loan"
Commercial banks require property deeds or assets most SME owners don't have — shutting out 85% of capable businesses.
MFIs are slow and expensive
Microfinance institutions charge 28–35% interest and take 2–3 weeks to approve — by then, the opportunity is gone.
No credit history is ever created
Even after repaying informal loans on time, there's no portable proof of creditworthiness. Every borrower starts from zero.
How It Works

Four steps to fair credit

Group lending powered by XRP Ledger. Your social network becomes your credit score.

01
Form Your Group
Invite 4–6 trusted business peers — colleagues from the same market, trade association, or neighborhood who vouch for each other.
5–7 members
02
Apply Together
Each member completes a quick application. We verify via Telebirr/CBE transaction data plus peer vouching — no property collateral needed.
Under 5 minutes
03
Get Funded
Approved loans are disbursed directly to each member's Telebirr or CBE account. ETB 30,000–ETB 115,000 per business at 18–22% — half the MFI rate.
Same day
04
Build Your Credit
Every repayment records on XRP Ledger as immutable credit history you own. After 3 cycles, graduate to individual loans — your score goes with you to any bank.
Portable forever

For Business Owners

Access the capital your business deserves — without collateral, without weeks of waiting.

  • ✓
    Loans from ETB 30,000–ETB 115,000 per business
  • ✓
    18–22% interest (vs 30%+ at MFIs)
  • ✓
    Approved and funded in under a day
  • ✓
    Build a portable blockchain credit history
  • ✓
    Repay via Telebirr or CBE mobile money
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For Lenders & Investors

Put your capital to work with Africa's most resilient borrowers. Group lending drives extraordinary outcomes.

  • ✓
    12–15% returns (vs 5–7% bank deposits)
  • ✓
    99% repayment rate with joint liability
  • ✓
    Transparent XRP Ledger tracking
  • ✓
    Direct impact — 68% women-led businesses
  • ✓
    Start investing from as little as ETB 30,000
Learn About Lending
Women & Financial Inclusion

The most overlooked entrepreneurs
are also the most reliable

In Ethiopia, women run the majority of informal SMEs — yet they face the highest barriers to formal credit. IncluFi is built to close this gap.

68%
of IncluFi's target borrowers are women-led businesses
90%
of women's income is reinvested in family & education
2.1×
more likely to invest loan gains in children's schooling
10M+
Ethiopian women locked out of formal credit access

The Barriers Women Face

  • Banks require land titles — rarely held by women in Ethiopia
  • MFI loan processes require extensive documentation and in-person visits
  • No formal credit history, even after years of consistent repayment
  • 30–35% MFI interest rates consume most of their margin
  • Informal Equb/Edir networks limited to small amounts with no credit record

How IncluFi Solves It

  • Group trust replaces collateral — social vouching is your credit
  • Mobile-first application via Telebirr — apply from any location
  • Every repayment written permanently to XRP Ledger as credit proof
  • 18–22% APR — nearly half the cost of MFI loans
  • Formalizes existing Equb/Edir trust networks into bankable credit groups

Led by women. Built for women.

IncluFi's entire C-level team is women — bringing lived understanding of Ethiopia's informal economy.

BY
Bethel Yohannes
Chief Executive Officer
EH
Emanda Hailu
Chief Technology Officer
AA
Abigya Ayele
Chief Operating Officer

One loan. A family transformed.

When a woman entrepreneur grows her income, it rarely stays with her alone. Research across Sub-Saharan Africa consistently shows that women reinvest 90% of their earnings back into their families — covering school fees, nutritious food, healthcare, and housing. A loan to a mother is an investment in the next generation. IncluFi is built on that truth: credit that reaches women creates ripples far beyond the business it funds.

90% reinvested in family 2.1× more children in school Women-Led Team 68% Women Borrowers Generational Impact
Our Mission

Building the credit infrastructure Ethiopia deserves

In Ethiopia, there is no credit bureau. Capable entrepreneurs are invisible to banks. We're changing that — creating portable, blockchain-backed credit identities that belong to the borrower, not the lender. When you repay a loan with IncluFi, that proof is yours forever.

Start Your Credit Journey
68%
of target borrowers are women-led businesses
3,000+
businesses projected in Year 1 of operations
East Africa
expansion after proving the Ethiopia model
The Team

Built by Ethiopians, for Ethiopia

An all-women C-level team with deep roots in Ethiopian SME ecosystems, blockchain, and fintech.

BY
Bethel Yohannes
Chief Executive Officer
Founder and CEO of IncluFi. Deep expertise in Ethiopian SME ecosystems, financial inclusion, and community-based lending. OSC veteran with experience supporting micro-enterprises across East Africa.
EH
Emanda Hailu
Chief Technology Officer
Blockchain architect and CTO of IncluFi. Built the XRP Ledger smart contract system powering portable credit infrastructure. One of Ethiopia's leading women in blockchain development.
AA
Abigya Ayele
Chief Operating Officer
COO responsible for operations, partnerships, and expansion. Deep knowledge of Ethiopian mobile payments, women's economic networks (Edir, Equb), and group lending mechanics.
Core Team
AS
Ahadu Sefefe
Product Lead
Drives product strategy and user experience. Specializes in fintech product design for African mobile-first markets.
NT
Nahom Temam
Engineering Lead
Full-stack engineer responsible for backend infrastructure, mobile money integrations, and XRP Ledger connectivity.
BZ
Beimnet Zewdu
Growth & Partnerships
Leads community outreach, market partnerships, and borrower acquisition across Addis Ababa's SME networks.
YW
Yonas Workneh
Risk & Credit
Designs credit scoring models and risk frameworks for group lending. Background in Ethiopian banking and microfinance.
Strategic Advisors
AZ
Strategic Advisor
Amanuel Zewdu
Strategy · Tech · Product
Deputy General Manager at Yanos Group — IncluFi's founding incubator — and a member of the Organisation of Southern Cooperation. Brings product strategy and technology leadership that shaped IncluFi from concept to platform, bridging Ethiopia's startup ecosystem with Global South development networks.
BT
Strategic Advisor
Beza Tesfaye Zewdie
Impact · Pan-African Strategy · Mentorship
CEO of PanAfric Space and former General Manager of the Ethiopian Space Science Society. Her leadership across African science and technology institutions, combined with her role at the Organisation of Southern Cooperation, brings continental networks, institutional credibility, and impact-driven mentorship to IncluFi's mission.
Recognition

Backed by the best

Validated by competition, built on proven technology, incubated for scale.

GreSFET 2024 Winner
1st Place
OSC Competition
Yanos Group
Incubated &
Supported
XRP Ledger
Blockchain Credit
Infrastructure
Telebirr + CBE
Mobile Money
Integration

Ready to grow
your business?

Join IncluFi's group lending platform. Fair credit. Your credit history. Your future.

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